THE RXCH RESET CREDIT BLUEPRINT

Power • Discipline • Legacy

  1. 1. Correct Your Personal Information

    Make sure your credit reports reflect your correct legal name, current address, date of birth, and Social Security number. Contact Experian, Equifax, and TransUnion to remove any old addresses or misspelled names. This ensures accuracy and prevents your file from mixing with someone else’s.

  2. 2. Enroll in Credit Monitoring (Required)

    Choose one monitoring service: IdentityIQ (recommended), SmartCredit, or MyScoreIQ. Make sure you sign up using the same legal name and address that appears on your ID and your credit files.

  3. 3. Freeze Your Credit Reports

    Freeze Experian, Equifax, and TransUnion — plus LexisNexis, SageStream, Innovis, and ChexSystems if available. Don’t apply for new credit during the process. Save your PINs and unlock codes for future use.

  4. 4. Proof of Residence (Must Match Your ID)

    Your ID and proof of residence must display the same address. Acceptable proofs (dated within 30–60 days):

    • Utility bill (electric, gas, water, or internet)
    • Bank or credit union statement
    • Lease agreement or mortgage statement
    • Paystub or W-2 with address
    • Insurance statement (auto, home, or health)

  5. 5. Your Rights During the Dispute Process

    • FCRA §1681i – Bureaus must reinvestigate within 30 days.
    • FCRA §1681e(b) – Must maintain maximum possible accuracy.
    • FCRA §1681s-2 – Furnishers must correct and mark accounts as disputed when notified.
    • FDCPA §809(b) – Collectors must validate a debt before continuing to report or collect.

Client Intake Form

Complete every field exactly as it appears on your ID and credit monitoring account. Incomplete or mismatched information will delay verification.

What Happens Next

  1. File Audit & Strategy: Your reports and freezes are reviewed to create your dispute plan.
  2. Drafting & Mailing: Custom dispute packages are prepared. You’ll be responsible for certified mailing fees.
  3. Bureau Timelines: Expect responses within 30–45 days from when letters are received.
  4. Updates & Rounds: We review results, then begin the next round as needed.
  5. The RXCH Reset: Discipline and structure bring real results over time.

Discipline builds freedom. Structure builds wealth.

You’ve entered a system that changes how money, power, and credit move for you — not against you.

Welcome to THE RXCH RESET.